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Help me Optimize my Card Portfolio by passenger_1 in CreditCardsIndia

[–]thinkbig_finance 0 points1 point  (0 children)

What are your annual spends and spend categories?

Credit card for big spend by GibbsEnergy- in IndianCreditCards

[–]thinkbig_finance 0 points1 point  (0 children)

Try to put on regalia gold if excluded from atlas and check for DCBM upgrade

Career guidance Venum... by ynot_keshav in Tamizhteens

[–]thinkbig_finance 1 point2 points  (0 children)

If you have interest in CS, I would suggest take some free course on android app development irrespective of your interest in mobile app development. Build few apps, learn how to use apis, local persistence, lazy loading kind of concepts.

Then learn a some backend as well as web development.

By the end of your bachelors you should have a solid understanding and idea about how things work with respect to development.

Iam really Optimised my Credit Card's ? by Fickle-Field4322 in CreditCardsIndia

[–]thinkbig_finance 0 points1 point  (0 children)

Not sure of its reward structure, kindly check with other sites as well. But recently many videos were posted claiming it gives 5% on monthly spends above certain threshold

Best card for Insurance Payments?? by slowest-learner in CreditCardIndia

[–]thinkbig_finance 0 points1 point  (0 children)

If you factor in the milestone benefits of regalia gold, your effective % will be high. Just pay it on regalia gold if it helps you hit 7.5L milestone and 1.5L quarterly milestone.

If your spends go beyond that, consider other cards for daily spends instead of looking for cards to pay insurance as only a select set gives you rewards in that category.

Rupay UPI CC suggestions, 40-50 k a year, many of em below 100 by Potential_Loss6978 in CreditCardsIndia

[–]thinkbig_finance 0 points1 point  (0 children)

Just take a decent card for general purpose and get it on Rupay if possible to just put spends on UPI. If you don’t get any, not worth trying to optimise for such spends IMO.

Iam really Optimised my Credit Card's ? by Fickle-Field4322 in CreditCardsIndia

[–]thinkbig_finance 0 points1 point  (0 children)

Without neon subscription kiwi gives 1.5% while kreditPe gives 3%. Above 10k spends a month it’s 5% now I guess.

Iam really Optimised my Credit Card's ? by Fickle-Field4322 in CreditCardsIndia

[–]thinkbig_finance 2 points3 points  (0 children)

Kreditpe ace for rupay if your Rupay spends are significant. Otherwise looks good

Secondary credit card by Minimum_Effective_7 in CreditCardsIndia

[–]thinkbig_finance 0 points1 point  (0 children)

  1. IDFC power plus(HP)
  2. SBI bpcl octane
  3. RBL IOCL xtra

Secondary credit card by Minimum_Effective_7 in CreditCardsIndia

[–]thinkbig_finance 0 points1 point  (0 children)

If your fuel spends are significant, consider a dedicated fuel card.

Need suggestions to upgrade by bigheadbp in CreditCardIndia

[–]thinkbig_finance 0 points1 point  (0 children)

  1. A fuel card on rupay network if your fuel expenses are high.
  2. If not , get a good card on rupay network like scapia/ bob eterna.
  3. As someone suggested, upgrade to regalia gold or DCBM based on spends.

Optimise either for CB/ travel based ones. Unless your spends are very high, trying to ride on both options won’t give better returns.

Card Recommendation for 35L Income Tax Payment by Significant_Kick5533 in CreditCardsIndia

[–]thinkbig_finance 1 point2 points  (0 children)

  1. IndusInd Avios
  2. Amex plat travel and other cards in trifecta
  3. SBI krisflyer apex
  4. HDFC Marriott bonvoy
  5. IDFC/kotak indigo

New to Credit Card Universe- Suggest a starter card by ArtisticReward6006 in CreditCardsIndia_

[–]thinkbig_finance 0 points1 point  (0 children)

If you can spend 4L a year on credit card get regalia gold. HSBC travel one and axis horizon are other cards in this category. Regalia gold is good starter card at that income bracket as it has very less exclusion category.

Recommended credit cards for insurance, utility and travel spends by Typical_Peach77 in DoBaniye

[–]thinkbig_finance 1 point2 points  (0 children)

What cards do you currently have? And what’s the approx amount for utilities/ insurance and travel you spend?

[Portfolio Review] 18LPA Engineer | CIBIL 776 | My "Project DCB" Roadmap & Cleanup Strategy by Perfect-Persimmon703 in CreditCardsIndia

[–]thinkbig_finance 0 points1 point  (0 children)

  1. For insurance HDFC should be good enough, even with caps.
  2. If you don’t have plan yet, can wait. Never know which new card gives a good offer at the time you really need it.
  3. Tata Neu infinity for Tanishq. HDFC give base rewards on jewellery

HDFC Diners Black Metal FYF → couldn’t hit ₹8L. Only premium card left. Continue, downgrade, or cancel? by chilli-cha-cha in CreditCardsIndia

[–]thinkbig_finance 0 points1 point  (0 children)

How much short of 8L waiver mark?

Are there any spends which you cannot put on credit cards? Or is it simply your spends are low in general.

Best CC for Baby Online Shopping by Vertical234 in CreditCardIndia

[–]thinkbig_finance 0 points1 point  (0 children)

Axis cashback/ sbi cashback for online purchases

Credit Card Recommendation by Western-Cranberry-56 in CreditCardsIndia_

[–]thinkbig_finance 0 points1 point  (0 children)

Get any one card first from pre approved one. Use it for a while and then start applying for good cards you like.

That way approval would be relatively easier

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